Benefits

Insurance benefits that make a difference.

Stuber Insurance Agency will work diligently to make sure you get the right life, health, and retirement benefits for your family, your employees, and yourself.

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Life Insurance

No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can:

    • Pay for funeral costs
    • Help pay the bills and meet ongoing living expenses
    • Pay off outstanding debt, including credit cards and the mortgage
    • Continue a family business
    • Finance future needs like your children’s education
    • Protect a spouse’s retirement plans

Getting life insurance doesn’t have to be hard (or boring). We have some easy steps for you to walk through to see if life insurance is right for you. You’ll also find information and interactive tools to help you get a sense of how much and what kind to buy, plus information about how different life events—such as having children or buying a home—can affect your insurance needs.

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Long Term Care

How Do I Find The Best Long-term Care Insurance?

Just as you chose other investments in your financial portfolio, we let you choose the long-term care plan that works best for you.

In addition to a benefit plan that helps you maintain your independence, long-term care offers added benefits that can make a big difference in your financial future – and your family’s.

What is Covered in a Long-Term Care Policy?

Long-term care insurance covers the care you need, whether it’s in your home or at another facility. We even have one plan that pays long-term care expenses, a death benefit or both – whichever you need. Long-term care benefits can pay for:

    • Care and assistance from a nurse or therapist in your home
    • Homemaker and companion services
    • Personal care attendant and chore services
    • Community-based care such as adult day care
    • Care in a nursing home, adult congregate living facility or assisted living facility

Why Decide Today?

Medical insurance typically pays only for your doctor and hospitalization in the event of illness or injury. Medicare will only cover acute care needs, and to qualify for: Medicaid, you must spend down your assets to the poverty level in most cases. Long-term care insurance is a sound investment for the future, and you should make it part of your financial plan today. Monthly premiums are based on your age at the time you enroll and will not go up because you get older or make a claim. In most states the premiums are guaranteed not to increase for 10 years. Then they can only increase if they rise for everyone in your rate category in your state.

Your policy can never be cancelled as long as you pay the premiums on time. And, every long-term care policy is portable – no matter where you are living, your coverage goes with you.

You’ve worked hard to earn and invest your money. You hope you’re on your way to a secure financial future. But most people overlook an investment that can safeguard their financial plans with little effort. That investment is long-term care insurance. You probably haven’t even thought about long-term care insurance – yet the need for long-term care can strike at any time due to accidents or disabling illnesses.

Other Benefits